LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,608
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,462
−HK$1,884/mo
Today · 4.125%
HK$63,346
baseline
▲ 0.50% · 4.625%
HK$67,201
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,692/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,092
−HK$1,804/mo
Today · 4.125%
HK$69,896
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,792/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,530
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,755
−HK$2,260/mo
Today · 4.125%
HK$76,015
baseline
▲ 0.50% · 4.625%
HK$80,641
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,030/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,576
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,711
−HK$2,165/mo
Today · 4.125%
HK$83,876
baseline
▲ 0.50% · 4.625%
HK$88,297
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,752/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,452
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,047
−HK$2,638/mo
Today · 4.125%
HK$88,685
baseline
▲ 0.50% · 4.625%
HK$94,081
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,370/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,839
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,329
−HK$2,526/mo
Today · 4.125%
HK$97,855
baseline
▲ 0.50% · 4.625%
HK$103,013
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,710/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,295
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,632
−HK$3,391/mo
Today · 4.125%
HK$114,023
baseline
▲ 0.50% · 4.625%
HK$120,961
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,046/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,364
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,566
−HK$3,247/mo
Today · 4.125%
HK$125,813
baseline
▲ 0.50% · 4.625%
HK$132,445
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,626/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,110,994 · Scale 2, in force from 26 Feb 2026)